Financial Highlights
 2017 FQ22017 FQ12016 FQ42016 FQ32016 FQ2
Period Ended6/30/20173/31/201712/31/20169/30/20166/30/2016
Balance Sheet ($000)   
Total Assets7,383,3866,808,9776,684,0186,666,4836,749,821
Total Net Loans5,336,5004,868,8734,836,2144,813,7734,795,568
Total Deposits5,533,1354,969,7294,947,4084,458,9804,394,520
Equity Attributable to Parent Company879,465760,995749,929751,787741,786
Total Equity879,465760,995749,929751,787741,786
Profitability (%)   
Net Income ($000) 14,01315,88817,91417,19612,007
Net Income Attributable to Parent ($000) 14,01315,88817,91417,19612,007
ROAA0.760.951.081.030.72
Core ROAA1.140.971.181.040.73
ROAE6.438.399.519.196.49
ROATCE9.1411.6412.6411.848.42
Core ROAE9.648.5810.359.266.61
Net Interest Margin3.533.453.453.303.25
Reported: Net Interest Margin3.543.503.443.293.27
Efficiency Ratio61.0860.1860.6757.0056.52
Noninterest Inc / Operating Rev24.6923.9025.6225.5124.03
Balance Sheet Ratios (%)   
Loans / Deposits97.1498.7698.62109.01110.22
Securities / Assets17.3818.6517.9419.0319.72
Total Equity / Total Assets11.9111.1811.2211.2810.99
Tangible Equity / Tangible Assets8.548.528.509.028.75
Tang Common Equity / Tang Assets8.548.528.509.028.75
Asset Quality (%)   
NPAs / Assets0.630.840.730.941.09
NPA Excl Restructured / Assets0.450.630.520.730.84
NPAs & 90+ PD / Assets0.650.870.760.981.11
NPAs / Loans & REO0.861.161.001.291.51
Nonaccrual & 90+ & OREO / Assets0.480.660.560.760.86
NPAs & 90+ PD / Loans & REO0.901.201.041.341.54
NPA & Loans 90+ / Tangible Common Equity + LLR7.369.678.4810.1611.74
NCOs / Avg Loans(0.07)0.390.220.700.48
Loan Loss Reserves / Gross Loans0.890.991.031.121.23
Reserves / NPAs103.6985.37102.7187.1381.61
Loan Loss Provision / NCONM68.15(67.06)40.12179.66
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 615,821571,441563,262580,038568,749
Tier 1 Capital ($000) 685,821641,441633,262650,038638,749
Tier 2 Capital ($000) 52,62652,57154,29258,77063,354
Total Capital ($000) 738,447694,012687,554708,808702,103
Total Risk-weighted Assets ($000) 6,067,7615,664,9375,600,9945,610,1735,769,825
Tier 1 Common Capital (CET1) Ratio (%) 10.1510.0910.0610.349.86
Tier 1 Ratio (%) 11.3011.3211.3111.5911.07
Total Capital Ratio (%) 12.1712.2512.2812.6412.17
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 9.639.859.839.989.76
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 97,483,06789,113,08389,007,07788,992,07788,949,995
Avg Diluted Shares (actual) 97,232,28888,987,67188,887,38788,858,20488,838,614
Basic Book Value per Share9.028.548.438.458.34
As-reported Book Value per Share9.028.548.438.458.34
Basic Tangible Book Value per Share6.236.326.206.596.48
Reported: Tangible Book Value6.236.326.206.596.48
Common Dividends Declared per Share0.080.080.070.070.07
EPS after Extra0.140.180.200.190.14
EPS after Extra Growth (%) 028.6081.8035.70(6.7)
Core EPS0.210.180.220.190.14
Core EPS Growth (%) 47.3030.4058.0030.60(7.4)
Diluted EPS before Amortization0.150.190.200.190.14
Pre-Provision Earnings per Share0.180.190.190.200.21

Copyright 2017, © S&P Global Market Intelligence  Terms of Use